Lima One Capital
Greenville, South Carolina
NMLS ID 1324403
Nationwide Direct Private Lender for Real Estate Investors
If you’re an investor in residential real estate doing fix-and-flips, building homes, accumulating an income producing rental portfolio or even tackling larger multifamily projects, we have your back in all that we do.
Lima One Capital aims to reduce the friction that real estate investors DON’T need in their life. We keep everything in house so that we can deliver a unique lending experience: underwriting, appraisals, construction management, draw requests, loan servicing are all conducted with best-in-class customer service.
Property Geographic Area Details
Loan Amounts
Interest Rates
Loan Terms
Origination Fees
Lien Position
Maximum Leverage
Purchase Short-Term (no Value-Add):
Purchase Long-Term
Refinance Short-Term (no Cash Out)
Refinance & Cash Out Short-Term
Refinance Long-Term
Residential Fix & Flip
Residential Rehab & Hold
Multifamily Value-Add
Residential Construction
Solutions for Every Investment Strategy
To get your deals closed FAST and maximize your return, we handle your loan with in-house servicing, construction management, quick draws, common-sense underwriting, internal valuations, and a dedicated team of analysts.
Fix and Flip Loans
Fix-and Flip
Funding in 45 States – distressed properties banks won’t finance.
- Up to 92.5% LTC, 75% LTV
- Loans from $75K to $3MM
- 13, 19, 24-month term options
- Non-recourse available
- Interest only loans
- 1-4 unit residential properties
Fix-to-Rent Funding
A two-step loan program to buy, renovate, rent, refinance, repeat!
- No Seasoning Period
- 1-4 unit residential properties
- Seasoning requirement waved
- 13, 19, 24-month term rehab options
- 5, 10, 30-year term options for hold
- Discounted origination fee on refinance
Short-Term Bridge Funding
Bridge financing where a fast close is needed and minimal rehab is planned.
- No prepayment penalty
- Up to 80% LTV
- Non-recourse available
- 13, 19, 24-month term options
- Single loans and portfolio blanket loans
Single-Family Rental Loans
Single Property Funding
- 1-4 unit residential properties
- Loans from $50k to $2.5mm
- 5 & 10 term options
- Up to 80% LTV on purchase & rate/term refinancing
- Up to 75% LTV on cash out
- Discounted origination fee on refinance
Rental Portfolio Funding
- 80% LTV
- 2 or more rental properties, one loan
- No maximum loan amount or unit count
- 5, 10, 30-year options
- Multiple structure options available, to fit your unique investment strategy
- Fixed rate, ARMs, interest only
- Non-recourse available
- Flexible pre-payment options
Multifamily Loans
Multifamily Long-Term Hold
- Loans up to $10MM
- 5 to 100 units
- Primary, secondary, tertiary markets
- Amortized and interest-only options
- Low seasoning requirements
- As low as 80% occupancy
- Out of state owners are OK
- Foreign nationals are OK
- Non-recourse available
Multifamily Stabilized
- Up to 75% LTC/LTV
- Rates as low as 5.25%
- No unit limit
- 24-36 month Interest Only Terms
- Freddie, Fannie, or bank fallout deals
- Low in-place DSCR requirements
- Non-recourse available
Multifamily Value Add Bridge
- Up to 85% LTC, 70% LTV
- Loans up to $20mm+
- Rates as low as 5.49%
- 24-36 month Interest Only Terms
- Low or no cash flow is ok
- Small, medium, or large Cap EX budgets
- Non-recourse available
New Construction Loans
- Loans up to $5MM
- Spec builds and model homes
- Non-recourse available
- Up to 90% LTC and up to 75% ARV
- Rates starting at 6.99%
- 13-, 19-, and 24- month term options
- Fast due-diligence and closing
- No interest on renovation while in escrow
Property Types
- 2-4 Units Residential
- Condominium
- Mixed-Use
- Multifamily
- Portfolio of Residential Properties
- Single Family Residence
Loan Types
- Private Money
- Hard Money
- Residential Bridge
- Residential Fix and Flip
- Residential Rehab and Rent
- Residential Long-Term Rental
- Residential Ground-Up Construction
Specialty Loan Types
- Partner Buyout
- Residential Long-Term Rental
Max Loan-to-Purchase Price
87.5%Borrower Must Have Property Under Contract
noWill Provide Proof of Funds Letter
yesWill Consider Lending on Purchase from Auction
yesAllowed Source of Borrower’s Equity
- Own Cash
- Partner
- Equity in Subject Property
- Equity in Another Investment Property
Experience Required
noMinimum Number of Value-Add Projects Completed by Borrower
0Will Provide Funds for Renovation Costs
yesMax LTC for Renovation Costs
100%Interest Charged for Renovation Costs
Only on Funds DrawnTypical Number of Days for Funds Draw
5Maximum After Repair Value
70%Development Experience Required
yesMinimum Number of Ground-Up Construction Projects Completed by Borrower
5Max LTC for Ground-Up Construction Costs
85%Interest Charged for Construction Costs
Only on Funds DrawnWill Lend on Partially Completed Construction Projects
yesMinimum Loan Amount
$60,000Maximum Loan Amount
$10,000,000Minimum Interest Rate
7.45%Maximum Interest Rate
9.65%Minimum Origination Fee
0.5%Maximum Origination Fee
2.5%Minimum Loan Term
12 monthsMaximum Loan Term
360 monthsSeasoning Time
3 monthsMinimum Debt Service Coverage Ratio
1.00Will Lend on a Portfolio of Properties
YesMinimum Number of Properties
1Maximum Number of Properties
50000Minimum Property Value
$75,000Maximum Property Value
$5,000,000Underwriting Fee
$800 + $100 to $150 per door fee
Appraisal Fee
$550
Fees which are paid to a third party company
- Title Fee
Contact Lima One Capital
Stay Informed About Private Lending
Who is Lima One Capital?
Lima One Capital offers real estate investors a solution to every strategy, by offering the most comprehensive suite of loan programs in the industry.
If you’re an investor in residential real estate doing fix & flip, building homes, accumulating an income producing rental portfolio or even tackling larger multifamily projects, we have your back in all that we do.
Lima One Capital aims to reduce the friction that real estate investors DON’T need in their life. We keep everything in house so that we can deliver a unique lending experience: underwriting, appraisals, construction management, draw requests, loan servicing are all conducted with best-in-class customer service. We expect this out of every one of our employees.
Lima One Capital was founded in 2010 by U.S. Marines that served together in Iraq. The U.S. Marines motto of Semper Fi – “always faithful” – means that we have your back.
As a real estate investor you know the deal changes on Day 2! We’d like to be your partner and prove why we’re the nation’s premier lender for investors.
Associations
- National Private Lenders Association
- American Association of Private Lenders
Office Locations
Lima One Capital Headquarters201 E McBee Ave #300, Greenville, South Carolina 29601
Our Team
Nate Trunfio
Managing Director - Head of Sales
Dalton Elliott
Director - Inside Sales
John Della Bella
Director - Broker Sales
Contact Lima One Capital
Stay Informed About Private Lending
Contact This Lender
Create a Loan Request
Be more efficient with your lender search. Provide the loan details once, save it, and then share it with multiple lenders.
Contact Lima One Capital by whichever method you choose.
If you submit a loan request or email, it will be sent to the lender, and they will reply to you directly. A copy will be saved in our database. We will not share your information unless you ask us for recommendations.
Our Minimum Loan Amount Is
$75,000
What We Do
- Residential & Multifamily Properties
- Bridge, Construction, Rehab, Rental
- LTC up to 92.5% for Residential Rehabs
- Purchase Bridge Loans up to 80% LTP
Not Available
- NO Owner-Occupied Homes
- NO 100% Financing
- NO Land Loans
- NO Rural Locations